What the xPortal card actually does with your money, fees included

Updated October 2026

Licensed

Available in US

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18+ Only

The xPortal card is a crypto payment card built by the MultiversX ecosystem, and the first thing to understand is that it is a payment card, not a wallet. You load a balance, the balance converts into euros, and then a Mastercard Debit number spends that balance in shops, online and at cash machines. That single design choice explains almost everything else you will read below: why issuance is free, why the limits are stated in euros rather than coins, why a card that understands EGLD can still feel unfamiliar at a supermarket till, and why the fee schedule is short but has a few sharp corners.

My score for it is 6.4 out of 10. Not a bad card — a capable one with an unusually strong everyday-use profile and a cost structure that punishes exactly the wrong behaviour. It suits people already living in the European Economic Area who pay in EGLD or other coins and want a card that reads like an ordinary debit card in the app. It does not suit you if you need a long published list of eligible countries, a clear answer on what verification means before you start, or an FX fee you can predict to the basis point. Several of the most reassuring and most alarming things I found come from third-party sites rather than from xPortal’s own pages, and I will say which is which every time.

The conditions described here are current as of October 28, 2026.

Will they give you the card

Short answer: probably, if you live in the European Economic Area, and there is a real chance not, if you do not — because xPortal does not publish the answer.

The card’s own eligibility terms say access “may not be available to you … in certain regions”, and the pricing for delivery is quoted for “RO” and “INT” only. That is the entire official position I could find: no country list, no residency test, no citizenship test, no statement of which regions are carved out. Everything more specific comes from a third-party card comparison site, is not confirmed by xPortal, and reads like this: available in 29 EEA countries, with Canada, Iran, North Korea, Switzerland, the United Kingdom and the United States restricted. The same unofficial page contradicts itself about Germany, which is exactly the sort of detail I would not rely on.

What that means for you in practice is that the app itself is the test. You download it, enter what it asks, and it either progresses or it does not. There is no pre-application form that will tell you in advance. If you live outside the EEA, or in one of the countries named above, assume you will be turned away and do not plan your month around it.

The card page is also written for two clearly distinct delivery zones, Romania and international, which tells you where the operation is centred. Combined with the operator name in the terms, that is about as much as the official material gives you.

How to get it

The application path is the ordinary one: install the app, create an account, complete whatever verification the app presents, then request a card.

You get a choice of card products. There are virtual cards, which can carry the xPortal, MultiversX or Sui branding, and there is a physical card. The physical one is a Mastercard Debit. The card’s currency is not explicitly stated; the page graphic implies euro, and every figure on the site is in euros, so treat euro as the working assumption rather than a promise.

Delivery is priced differently by the official documents and differently again on the card page. The fees PDF puts the first physical card at EUR 9,99 plus delivery of EUR 5,99 for Romania or EUR 12,99 international. The card page says delivery of EUR 5,99 for “RO” and EUR 9,99 for “INT”. Older help-centre material describes international delivery as “only EEA”. So the honest summary is that a physical card costs somewhere in the region of a double-digit euro amount if you are in Romania and somewhat more if you are elsewhere, and that the two official sources disagree about which figure applies where. Delivery time and the cost of a replacement card are not stated; there are help-centre articles on both subjects but only their titles were readable.

Now the part that will affect you most, and it is the part I cannot answer. Verification requirements, the levels that exist, how long processing takes and why an application might be rejected — none of this is stated on the card page or in the terms. What the help centre does show is a set of article titles that tells you what the process involves in outline: “Source of funds check” with five articles under it, and “Why do I have to provide my tax identification number?”. Those two titles tell you that a tax identifier is part of the ordinary flow and that the source of your money can be examined. The help centre also gives you a route out: if you cannot finish verification, contact support by in-app chat or at [email protected].

Unofficial sources — a third-party card comparison site, not xPortal — describe full identity verification and proof of address before issuance. Treat that as a reasonable expectation rather than a fact, and get your documents ready, because the article titles suggest you will need them.

Fees: what it really costs

Issuance is free. That is the good news and it is the whole headline number. Beyond that, the card has one conversion fee, one currency fee, one ATM fee that kicks in past a threshold, and a surcharge that only applies to a specific category of merchant.

The fees PDF, which covers the Standard Mint Account and is marked effective 02.07.2024, is the most complete official document I found. The card page adds one number the PDF does not: a crypto purchase fee of 1.49% when you buy through xMoney. The two numbers are easy to confuse and they are different things — one is the cost of converting crypto into the spendable balance, the other is the fee applied to the currency exchange itself.

Three everyday payments, worked through

A EUR 22 lunch in a café in Bucharest, paid by card. Card payments are free, so the cost is EUR 0 in fees if the balance was already loaded in euros. What decides the price is how that balance got there: if you topped up with crypto, the 1.49% crypto purchase fee applies at the point of purchase, and the card’s currency fee does not, because no currency change is involved. If you had loaded a non-euro balance and let the card convert, the maximum 2.5% fee would be in play instead. On EUR 22 that is at most about EUR 0.55.

A EUR 300 flight booked online in dollars, with no euro balance left. This is where the currency fee bites. The help centre has an article called “What foreign exchange rate will I get?” — title only, no answer readable — and the fees PDF says the maximum 2.5% is applied to the exchange rate and varies by transaction type, merchant type, geography or campaigns. On EUR 300 the ceiling is about EUR 7.50. That variation clause is the part to keep in mind: 2.5% is a ceiling, not a quote, and I cannot tell you from the official pages what you will actually pay on a given day.

EUR 250 taken out of a cash machine in a city outside Romania. The first EUR 200 of your monthly withdrawals is free. Above that, 2% plus EUR 1 per withdrawal, so on a EUR 250 withdrawal you would pay 5% plus EUR 1, which is EUR 13.50. Add the ATM balance check — EUR 2 outside Romania — and the cash itself costs you EUR 15.50 to reach. Two things worth noting before you rely on this: the card page quotes an ATM ceiling of EUR 500 per month, while the fees PDF says maximum EUR 500 per day and EUR 2,500 per month, and an ATM declined authorisation can leave a hold on your funds for several days, typically up to seven.

If you want the honest one-line version: paying in euros from an euro balance costs nothing, converting costs you at least 1.49% and possibly as much as 2.5%, and cash above EUR 200 a month is the most expensive habit on this card.

Top up: how to get money onto it

Top-up happens in one of two ways: you send crypto, or you top up from a debit or credit card.

The coin list is explicit and it is the card’s strongest point. You can load BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA or SUI. That is a genuinely broad spread, and for anyone holding more than one of those it removes the usual friction of converting through an exchange first.

Two omissions matter here, and both are omissions in the official material rather than in my testing. The networks are not stated, so I cannot tell you which chain to send on for each coin. And stablecoins are not named in the coin list, even though cashback is paid in $EGLD and $UTK and the balances are euro-denominated. If your plan is to hold USDC or USDT and spend it here, you need to ask the support chat before you send anything, because a transfer on an unsupported network is irreversible in practice and recovery is a manual support process with no guarantee.

Adding fiat, for example euros, is free, with a minimum top-up of EUR 10. The fees PDF puts daily top-ups at EUR 5,000 and monthly at EUR 25,000 across all methods; the card page says EUR 2,500 daily and EUR 10,000 monthly. Both official sources are telling you there is a cap; they disagree about its height, so plan against the lower figure. Who pays the blockchain network fee for a crypto deposit is not stated either.

Paying with it every day

This is where the card scores highest, and if spending is the main thing you care about, the strengths here outweigh the paperwork gaps.

You can add the card to Apple Wallet and Google Wallet — both logos are shown on the card page. That is worth a paragraph of its own, because it is not a minor convenience. When you pay with a phone wallet, the card number on your handset is replaced by a device-specific token stored in the phone’s secure hardware, never on the vendor’s servers, and each payment carries a one-time code. You get the security benefit without handing over your card number to a shop. The card issuer can still restrict a tokenised card to certain channels, so this is not unlimited, but it is a real improvement over sliding plastic around.

The physical card is a Mastercard Debit, so it works in the places a debit card works. Virtual cards can be issued in three brandings, which is a small but genuine convenience for anyone who wants separate cards for different spending streams. The App Store listing shows 4.8 out of 5 from 1.8K ratings as I read it on 2026-10-20, requires iPhone or iPod touch on iOS 15.1 or later, supports Apple Vision, and carries 30 languages including Russian. The card page also lists Google Play and Huawei AppGallery and shows an App Store figure of 4.9, which is the page’s own number rather than the store’s; the Google Play rating I did not read.

The cashback needs a caveat. The comparison table on the card page says “Up to 0,5%”, while elsewhere the same page says “Up to 5% cashback”. Those two cannot both describe the live product. Unofficial sources say only the entry tier is live with cashback up to 0.5%, and that the 5% figure belongs to higher tiers that are not live. My read: assume 0.5%, and treat anything above that as a future tier rather than a benefit you can bank on. Tier definitions themselves are not stated; “Tier 2” appears only inside an image, cashback depends on staking, and the help centre names a “Diamond Touch” upgrade and a “Plan & Benefits” collection without readable detail.

One more fee worth knowing before you walk into a bookmaker: payments to high-risk merchants, gambling being the example given, carry a fee of maximum 3% with a minimum of EUR 1. Many issuers block gambling merchant codes outright; this one charges you instead.

What can go wrong

The four risks that actually apply here, in rough order of how much they should worry you.

Country and eligibility risk. The official pages state no country list, and the terms explicitly reserve the right to withhold access in certain regions. If your country is not in the EEA, you may find out only after you have downloaded the app and sent documents.

Verification risk. Levels, timing and rejection reasons are not stated. The help-centre article titles tell you a tax identification number can be required and that the source of funds can be checked. If due diligence cannot be completed, EU rules require the institution to stop and, where necessary, close the relationship — which is why accounts get frozen pending documents, and why the help centre gives you a [email protected] route and in-app chat. Unofficial user feedback, not from xPortal, points to slow support response times and to room for improvement in the verification process.

Fee risk on conversion. The maximum 2.5% currency fee varies by transaction type, merchant type, geography or campaigns, and the rate you actually get is not published. Add 1.49% if you are buying crypto through xMoney to fund the balance. Both stack in a month where you are active.

Counterparty risk. The terms name xPortal Equity A.G. as the operator of xPortal, and the site footer names xPortal Labs. The issuer, its BIN sponsor and its licences are not stated on the official pages. Unofficial sources say the issuer is Capital Financial Services S.A., branded Twispay, an electronic money institution licensed by the National Bank of Romania under IEME-RO-0001, and that the product was developed by MultiversX. You should treat this as likely but unconfirmed. It matters because an electronic money institution in the EU must safeguard customer funds in dedicated accounts or by insurance, and such funds are not bank deposits — they are not covered by a deposit guarantee scheme. Anyone holding a balance here is exposed to that institution, not to a bank.

The security tools themselves are ordinary and reasonable: freeze and unfreeze the card in the app, terminate or replace a card from the settings, and a 24/7 lost-and-stolen phone line. Help-centre articles on whether your money is safe, how the issuer keeps it secure and whether you can change card limits exist with titles only. Who holds the custody of the crypto itself is not stated.

On complaints, I found nothing official and nothing unofficial either. No Trustpilot page, no Reddit thread, no news reports about the xPortal card specifically. The only dated official item I could find is the fees and limits page for the Standard Mint Account effective 02.07.2024, with an earlier version still in circulation. No licence or issuer events are stated. A card with no complaints is either young or genuinely uneventful, and the help-centre articles that exist suggest the support side is the part users grumble about.

What to take instead

Three alternatives came up in my comparison, and none of them is a clean win. Each scores between 6.2 and 6.9 — the same band as xPortal’s 6.4 — which tells you something about how thin the field is.

BloFin Wallet Card has the highest score of the four, and its cost structure is the most aggressive on paper: $0.00 for activation, annual, issuance and dormancy, cancellation free. Its spend fee runs from 1.00% at VIP 0 down to 0.00% at VIP 5, charged at payment — so it is cheaper than xPortal only if you climb the tiers or pay almost nothing. It has no cashback, offering a reduced spend rate instead. Top-ups are USDT and USDC on Arbitrum and Base, which is a much narrower list than xPortal’s nine coins. Its country list is not published on the card page either; the starting data lists 35 countries including the US, Australia, Japan, the UAE, Brazil, Mexico, Malaysia and New Zealand, and it is not stated whether the test is citizenship or residence.

Decaf is the interesting one for anyone who hates FX fees, because it adds none — you get Visa’s exchange rate. That is genuinely better than a maximum 2.5%. The price is at the front: EUR-level fees of $5 for a virtual card and $10 for a physical card in the US or $90 elsewhere, with no annual fee. Its restricted list is the longest of the four by far — Belarus, China, North Korea, India, Iran, Iraq, Israel, Myanmar, Nepal, Russia, Syria, Turkey, Cuba, Ukraine, Venezuela, Vietnam, Nicaragua, Puerto Rico, Nigeria — plus eleven US states, and whether the rule is by citizenship or by residence is not stated. The app runs on Solana and Stellar, and which coins and networks top up the card itself is not stated.

SafePal has the widest top-up reach, crypto from 40+ blockchains converted to USDC or fiat, with a standard top-up fee of 0% and a 1% FX fee on Mastercard non-USD settlement. It has no cashback; the reward side is referral commissions up to 40% of referred top-up fees and tier privileges tied to deposits, referrals and staking. Swaps include a spread that is not quantified, and refund processing costs 1 USD/EUR/CHF/7 CNH. Its eligibility line reads “Citizens of supported regions who live in supported areas”, and the regions page was empty when I fetched it.

My honest read: if your priority is paying in euros with the fewest surprises, Decaf’s no-FX-fee structure is the most interesting of the four. If your priority is loading many different coins without going through an exchange, xPortal’s nine-coin list is the widest here. If you want zero fees on paper and can reach a high tier, BloFin. If you hold across many chains, SafePal. What none of them does — and this is the uncomfortable finding — is publish a plain eligibility list with a clear statement of what verification involves.

Who I would recommend it to

I would recommend the xPortal card to someone already inside the EEA who holds EGLD or several of the coins in its list, spends mainly in euros, and wants a card that feels ordinary — a physical Mastercard Debit, virtual cards, Apple Wallet and Google Wallet, free spending, and cashback that may or may not be worth mentioning. If you have been using a plain prepaid card or an exchange card that makes you jump through hoops for the same job, this is a competent replacement with a live app, a 4.8 App Store rating and a security toolkit that includes instant freeze.

I would not recommend it as a first crypto card, and here is why. You cannot read the eligibility rules before you try. You cannot read what verification will demand. You cannot read which network to send your coin on. And you cannot read what exchange rate you will get. For someone making their first move into spending crypto, that is four gaps where the sensible reaction is to stop, not four gaps you can price in. The 1.49% crypto purchase fee and the maximum 2.5% currency fee are also only cheap if you keep your balance in euros and top it up infrequently; a heavy foreign-currency month will cost you real money.

If you are outside the EEA, or in Canada, Iran, North Korea, Switzerland, the UK or the US, the unofficial position is that the card is restricted. Check the app before you plan anything.

And if what you actually need is a plain bank card with predictable costs, the honest advice is that a crypto card is the more expensive way to get one. This card is worth it when the coin part of your life is real, not as a general-purpose replacement for banking.

Frequently asked questions

What is the xPortal card?

The xPortal card is a crypto payment card built around the MultiversX ecosystem. You load a balance — in euros or in crypto — and a Mastercard Debit, physical or virtual, spends that balance in shops, online and at cash machines. It behaves more like a prepaid card than a bank debit card: the card draws on a stored balance rather than on a linked current account, which is why the limits and fees are all stated in euros.

How does the xPortal card work?

You convert or top up a balance, and the card spends only that balance, so it cannot overdraw. Crypto you load is converted into the spendable balance, with a 1.49% crypto purchase fee when you buy through xMoney. Everything you spend is deducted from the balance, and currency conversion on non-euro spending carries a fee with a maximum of 2.5%.

Is xPortal a bank?

No — not on the official evidence. The terms name xPortal Equity A.G. as the operator, and unofficial sources name Capital Financial Services S.A. (Twispay) as the issuer, an electronic money institution licensed in Romania under IEME-RO-0001. An e-money institution can issue cards and wallets but cannot lend, and its customer funds are safeguarded rather than being bank deposits, so they are not covered by a deposit guarantee scheme.

Who owns xPortal?

The site footer names xPortal Labs, and the terms name xPortal Equity A.G. as the operator of xPortal. Unofficial sources add that the product was developed by MultiversX. The issuer, its BIN sponsor and its licences are not stated on xPortal’s own public pages, so treat the Twispay detail as likely but unconfirmed.

Is the xPortal card available in my country?

The official answer is unhelpful: no country list is published, and the terms only say access “may not be available to you … in certain regions”. Unofficial sources say 29 EEA countries are supported, with Canada, Iran, North Korea, Switzerland, the UK and the US restricted, and one such page contradicts itself about Germany. Delivery is priced separately for “RO” and “INT”, so the app is the real test.

Does the xPortal card require KYC?

Probably yes, though the official pages never say so. The help centre has an article titled “Why do I have to provide my tax identification number?” and five articles under “Source of funds check”, which tells you what can be asked for. Unofficial sources describe full identity verification and proof of address before issuance. If you get stuck, the help centre directs you to in-app chat or [email protected].

How much does the xPortal card cost?

Issuance and account maintenance are free, and card payments are free. The first physical card is EUR 9,99 plus delivery of EUR 5,99 in Romania or EUR 12,99 international, though the card page quotes EUR 5,99 (RO) and EUR 9,99 (INT) for delivery alone. A fourth virtual card costs EUR 3. On top sit a 1.49% crypto purchase fee and a currency fee with a maximum of 2.5%.

How do I top up the xPortal card?

You can send BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA or SUI, or top up from a debit or credit card. Adding fiat is free with a EUR 10 minimum. The networks for each coin are not stated, and stablecoins are not named in the coin list, so ask support before sending a transfer on an unsupported network — blockchain transfers are irreversible in practice.

Is the xPortal card safe?

The card itself has the usual protections: instant freeze and unfreeze in the app, terminate or replace from settings, a 24/7 lost-and-stolen line, and tokenised use through Apple Wallet and Google Wallet. But no complaints or breach reports have surfaced, official or otherwise, and who holds custody of the crypto is not stated. A freeze button protects the card, not necessarily the balance behind it.

Can I use the xPortal card at ATMs?

Yes, with a ceiling and a fee. Withdrawals are free up to EUR 200 per month; above that you pay 2% plus EUR 1 per withdrawal. The card page quotes an ATM limit of EUR 500 per month while the fees PDF says maximum EUR 500 per day and EUR 2,500 per month. A balance check costs EUR 1 in Romania and EUR 2 outside it.

Content created by the «cryptocardselect» team